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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,744 | $44,714-93.9% | $91,225-97.0% | $66,930-95.9% |
| Participation rate | 57.1% | 65.0%-7.9pp | 73.2%-16.1pp | 69.8%-12.7pp |
| Annual return | -29.61% | -12.25%-17.4pp | 114.10%-143.7pp | 1.57%-31.2pp |
| Employer contribution / active EE | $0 | $1,710-100.0% | $2,851-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,595 | $3,355-52.5% | $4,234-62.3% | $4,238-62.4% |
| Admin fee / account holder | $305 | $521-41.4% | $5,422-94.4% | $593-48.6% |